For many people, earning more often leads to spending more. Entrepreneur and bestselling author Ankur Warikoo believes that is exactly where people go wrong.<\/p>\n
In a LinkedIn post that has struck a chord online, Warikoo shared the five money rules he and his wife Ruchi have followed as a couple. The entrepreneur, now 46, said neither of them was born into wealth and that “real abundance came only in the last 6-7 years.”<\/p>\n
The couple, who have two children aged 15 and 9, say these habits have shaped how they think about money.<\/p>\n
1. DON’T SPEND TO LOOK RICH<\/p>\n
Warikoo’s first rule is simple: “We don’t spend to look rich. We spend to become wealthy.”<\/p>\n
Instead of chasing expensive lifestyles, he said most of their money goes into assets such as stocks and gold. The family owns one house and drives a rented car, avoiding purchases meant only to impress others.<\/p>\n
2. PAY MORE FOR WHAT MATTERS<\/p>\n
The second rule is about health.<\/p>\n
Warikoo said the family spends generously on high-quality food because “what goes into your body matters most.” He shared that their vegetables are grown organically on a rented farm and that they rarely order food from outside.<\/p>\n
3. BUY MEMORIES, NOT MORE STUFF<\/p>\n
The entrepreneur also believes experiences create more value than possessions.<\/p>\n
He revealed that the family travelled 116 days last year, adding that they happily spend on live sporting events, museums or even hiring historians to explain the places they visit.<\/p>\n
4. INVEST BEFORE YOU SPEND<\/p>\n
Perhaps the most practical lesson in the post is the couple’s investment habit.<\/p>\n
“The day our income arrives, we invest. We live on what’s left,” Warikoo wrote.<\/p>\n
By the end of each month, he said, only a few thousand rupees remain because the rest of the money has already been invested.<\/p>\n
5. LEARNING HAS NO LIMIT<\/p>\n
The final rule is one many finance experts also recommend: keep investing in yourself.<\/p>\n
Warikoo said the family has “no budget for books and learning.” Their living room functions like a library, and all four family members regularly read books and take classes ranging from pottery and piano to Python programming.<\/p>\n
He ended the post with a reminder that these rules work for his family but may not suit everyone.<\/p>\n
“These are our rules. They may not be yours. But everyone needs their own.”<\/p>\n
– Ends<\/p>\n
Published On: <\/p>\n
Aug 6, 2026 19:36 IST<\/p>\n","protected":false},"excerpt":{"rendered":"For many people, earning more often leads to spending more. Entrepreneur and bestselling author Ankur Warikoo believes that…\n","protected":false},"author":2,"featured_media":625139,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[177],"tags":[249320,264025,79,18,75320,264026,19,3442,166831,17,5584,4609,91825,234,235,249321,44224],"class_list":["post-625138","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-ankur-warikoo","tag-ankur-warikoo-money-rules","tag-business","tag-eire","tag-financial-habits","tag-gen-z-finance","tag-ie","tag-investing","tag-investment-tips","tag-ireland","tag-millennials","tag-money-advice","tag-money-rules","tag-personal-finance","tag-personalfinance","tag-ruchi-warikoo","tag-wealth-building"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/117053648162343818","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/625138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=625138"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/625138\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/625139"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=625138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=625138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=625138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}